When we communicate with one another why do we take the information that was shared with us as bad or sad or happy or glad or all those words that we can use? When I am working with someone I can tell just by how they are sharing their life stories with me if they are taking the responsibility and accountability that comes with being in charge of their lives.

Today we will talk about the relationship between REAL change and your willingness to own your choices

Join the SHOW of doom and destruction as we bring the check of reality that you just cant cash. Yes, the reality check rears its ugly head in the direction of yonder college student extroadinare! Yes, those wonderful people that represent the future of our society. You know the ones who have all the answers and too consumes with rolling their eyes to be the solution. Many of us remember those days and gag at some of the things we said. Now it is time for you all to relive those moments with the FAT crew!

Continuing looking at Colossians 1. This week, we will discuss "The Responsibility We Share." Each of us has a calling from God. Something you and I must do. But, there is one we share. That is sharing our faith. That is telling others about Jesus. Are you fulfilling that responsibility?

TONIGHT 9P- Student loans are one of the more confusing areas of a financial aid award letter. Student loans come in two important types that are critical for you to understand. The first is a need-based loan, which is awarded based on your financial need. The second type of student loan is the non-need based loan, which is not based on any particular financial need. Do you have students loan? Was your educational experience worth it? We want to hear from you. Dial 917-889-3926 to comment LIVE. Toya will also bring us FINANCE TIPS up the coast from Delaware. REAL TALK. REAL PEOPLE. REAL TIMES. We are #TheSocialLab #TMHymanRadio Network.

Can an Aristotelian theory of moral responsibility solve the problem of moral luck? In particular, how does the theory of responsibility for actions handle the proposed cases of "circumstantial moral luck"? I will answer these questions and more in this discussion of Chapter Six of my book,Responsibility & Luck: A Defense of Praise and Blame.

To download or feed a high-quality version of this episode, plus show notes and other details, visit its archive page.

For more from Dr. Diana Hsieh on the application of rational principles to the challenges of real life, visit PhilosophyInAction.com.

This episode will discuss the IRS Shared Responsibility Payment (Penalty Tax) Under Affordable Care Act. As most Americans know by now respectfully, there is nothing Affordable about the Affordable Healthcare Act and the imposition of a IRS Shared Responsibility Payment (Penalty Tax) Under Affordable Care Act is an example. Under the IRS guidelines,

"If you (or any of your dependents) do not maintain coverage and do not qualify for an exemption, you will need to make an individual shared responsibility payment with your return. In general, the payment amount is either a percentage of your income or a flat dollar amount, whichever is greater. You will owe 1/12th of the annual payment for each month you (or your dependents) do not have coverage and are not exempt. The annual payment amount for 2014 is the greater of:

1 percent of your household income that is above the tax return threshold for your filing status, such as Married Filing Jointly or single, or Your family’s flat dollar amount, which is $95 per adult and $47.50 per child, limited to a maximum of $285."

The average college student graduates with over $33,000 in student loan debt. Many Americans accept this as being inevitable if they want a college degree. In today's episode, we'll discuss ways to get an education with as little debt as possible! Email questions about student loans before the show to Christine@ChristineLuken.com and we'll answer them on the air.